State overview · Q4 2025

Tennessee Credit Unions

All 127 federally-insured credit unions in Tennessee, ranked by financial health, from NCUA 5300 Call Reports.

127
Credit unions
2.7M
Members
$47.3B
Combined assets
82/100
Avg health
127 CUs · avg health 82/100

Tennessee has 127 federally insured credit unions averaging 82/100 health on NCUA 5300 Call Report aggregates. Combined assets $47.3B; 78 score Excellent (80+). State leader: United Southeast at 100/100.

  • Mean delinquency rank #22 of 52 (lower DQ better)
  • Mean ROA rank #9 of 52
  • Data vintage 2026-09-06

Tennessee vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

127 9th of 54 higher than 44 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source NCUA 5300 Call Report aggregates · Q4 2025

Health-score distribution

How Tennessee's 127 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)78 CUsGood (60–79)40 CUsFair (40–59)8 CUsWeak (<40)1 CUs

Tennessee Call Report quality, high mean ROA cohort

Mean NCUA 5300 ratios across 127 federally insured credit unions in Tennessee, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
1.08%
National rank #22 of 52 · lower DQ better
Mean ROA
0.76%
National rank #9 of 52
Mean loan-to-share
70.0%
Mean net worth 16.0% · well-capitalized (≥7%) 98.4%
Largest CU share of state assets
20.9%
Dispersed book, largest charter holds under 25% of combined Tennessee CU assets · concentration rank #19 of 52 (lower share = more dispersed) · largest by assets on this board: EASTMAN

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). Tennessee is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

Tennessee vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Tennessee highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18%20% 0.5%1%1.5%2%2.5%3% Net worth ratio Delinquency rate Tennessee vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%GA - 15.97%, 1.181%ID - 11.55%, 0.89%IN - 14.73%, 1.306%IA - 15.09%, 1.429%KY - 14.12%, 1.121%ME - 11.58%, 0.818%MA - 14.25%, 0.901%MI - 12.62%, 0.909%MS - 17.86%, 2.688%MT - 12.19%, 0.9%NV - 12.18%, 0.832%NH - 11.15%, 0.746%NM - 14.09%, 1.009%NC - 14.51%, 2.08%OH - 13.65%, 1.573%OK - 13.44%, 1.238%PA - 15.31%, 1.273%SC - 14.68%, 1.029%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%TN - 15.99%, 1.081%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Tennessee highlighted.

All Credit Unions in Tennessee

Credit Union Health
United Southeast Bristol 100
ASCEND TULLAHOMA 99
Heritage South Community Cu Shelbyville 99
Jack Daniel Employees LYNCHBURG 99
Upper Cumberland Crossville 99
HOLLEY PARIS 98
Knoxville Tva Employees Knoxville 98
EASTMAN Kingsport 97
ENRICHMENT OAK RIDGE 97
Tennessee Valley Chattanooga 96
Copper Basin Copperhill 95
Employee Resources LAWRENCEBURG 95
Nashville Firemen's NASHVILLE 95
Wcg Employees MARTIN 95
ETMA LOUISVILLE 94
FORTERA Clarksville 94
Knoxville Firefighters Knoxville 94
ORNL Oak Ridge 94
Ups Employees MEMPHIS 94
Y-12 Oak Ridge 94
Bowater Employees Calhoun 93
City Employees KNOXVILLE 93
First South Financial Bartlett 93
Leaders Credit Union Jackson 93
Healthcare Services CHATTANOOGA 92
Knox County Teachers Knoxville 92
LAKESIDE New Johnsonvill 92
The West Tennessee Atoka 92
Appalachian Community Kingsport 91
Cornerstone Financial Nashville 91
FOOTHILLS LOUDON 91
Greeneville City Employees' Greeneville 91
Knox Co. Employees KNOXVILLE 91
Sevier County Schools SEVIERVILLE 91
CLINCHFIELD Erwin 90
Johnsonville Tva Employees CAMDEN 90
L G & W MEMPHIS 90
Old Hickory Nashville 90
Tennessee River COUNCE 90
B. M. H. CLEVELAND 89
Hardin County Hospital Employees Savannah 89
Kennedy Va Employees Memphis 89
New South Credit Union Knoxville 89
U. T. Knoxville 89
Alcoa Tenn Alcoa 88
COLLEGEDALE Collegedale 88
Greater Eastern Johnson City 88
M.P.D. Community Nashville 88
US Community Nashville 88
Cleveland-Bradley Cty Teacher CLEVELAND 87
Gallatin Steam Plant GALLATIN 87
Kingsport Press Cu KINGSPORT 87
Memphis City Employees MEMPHIS 87
Middle Tennessee COOKEVILLE 87
Select Seven Johnson City 87
Tennessee Department of Safety Nashville 87
Chattanooga Federal Employees Chattanooga 86
Maryville Municipal MARYVILLE 86
Tennessee Employees Nashville 86
Your Best Credit Union Nashville 86
Alcoa Municipal Employees ALCOA 85
Credit Union for Robertson County Springfield 85
HORIZON Kingsport 85
Northeast Community ELIZABETHTON 85
RESOURCE Jackson 85
CONSUMER Greeneville 83
Happy Valley ELIZABETHTON 83
Hiwassee River CHARLESTON 83
Knoxville Teachers KNOXVILLE 83
GATEWAY CLARKSVILLE 82
Shelby County Cordova 82
Bulab Employees Memphis 81
Knoxville Law Enforcement Knoxville 81
KOIN Brentwood 81
OUTREACH HERMITAGE 81
PATHWAY CLEVELAND 81
TNCONNECT KNOXVILLE 81
VANDERBILT Nashville 80
Bcbst Employees CHATTANOOGA 79
Chattanooga Area Schools CHATTANOOGA 79
P.I.A.S. Brentwood 79
VERITAS Smyrna 79
HEALTHNET Cordova 78
Hurd Employees Greeneville 78
Southern Security Collierville 78
TEN NASHVILLE 78
Delta Refining Co Emp Memphis 77
ENBRIGHT Nashville 77
ENLIGHTEN JACKSON 77
First Choice Community Knoxville 77
Nashville Post Office NASHVILLE 77
Scenic Community Hixson 77
Dixie Line NASHVILLE 76
F a a Memphis 76
Greeneville Works Empls. Sav. Assn. Greeneville 76
Tva Mid-South Memphis 76
ORION Memphis 75
FEDTRUST MEMPHIS 74
Southeast Financial FRANKLIN 74
Beacon Financial Johnson City 73
Cn/Ic Employees MEMPHIS 73
Fair Break Memphis 73 †
MEMORIAL Chattanooga 73
Kimberly Clark MEMPHIS 72
St. Thomas Nashville 72
TRUST Chattanooga 72
Chattanooga First CHATTANOOGA 71
I B E W 175 CHATTANOOGA 71
Kemba Delta Bartlett 71
APPLIANCE CLEVELAND 70
COMTRUST CHATTANOOGA 70
Fedex Employees Credit Association Memphis 68
SKYLINE NASHVILLE 68
PARTHENON Nashville 67
Family Advantage Spring Hill 66
Tennessee Members 1st Oak Ridge 64
Memphis Municipal Employees Memphis 62
Olivet Baptist Cordova 61
Methodist Healthcare Cordova 58
Patriot Equity JACKSON 57
Epb Employees CHATTANOOGA 56
Basf Chattanooga CHATTANOOGA 55
Smart Choice CLEVELAND 53
A.U.B. Employees' Athens 52
Kellogg Memphis Employees MEMPHIS 50
SOUTHERN Chattanooga 48
Metropolitan Teachers NASHVILLE 39

† Score computed from fewer than five NCUA-reported metrics for this credit union (one or more figures unavailable this quarter); the remaining pillar weights are renormalized so the composite stays on the same 0-100 scale. See methodology.

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

What This Data Says About Credit Unions in Tennessee

Tennessee is home to 127 federally-insured credit unions collectively serving 2.7M members with $47.3B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 82/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. United Southeast of Bristol currently leads the cohort with a health score of 100/100, while the full distribution spans 127 institutions ranked below.

The health distribution breaks into four bands: 78 credit unions score 80–100 (Excellent), 40 score 60–79 (Good), 8 score 40–59 (Fair), and 1 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A small number of institutions above (marked †) are missing one or more of these inputs this quarter; their composite is renormalized over the pillars actually reported, on the same 0–100 scale. A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Tennessee's 127 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for Tennessee: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($47.3B here).

Indiana $48.4B Colorado $45.4B Ohio $49.7B Minnesota $43.5B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (127 here).

New Jersey 127 CUs Massachusetts 126 CUs Louisiana 138 CUs Florida 109 CUs

Frequently Asked Questions

How many credit unions are in Tennessee?

There are 127 federally-insured credit unions in Tennessee as of Q4 2025, with a combined 2.7M members and $47.3B in total assets. That places Tennessee at #16 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, Tennessee ranks #25 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Tennessee?

Based on NCUA Q4 2025 data, United Southeast in Bristol ranks highest in Tennessee with a health score of 100/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using Tennessee's data

  • United Southeast in Bristol is the healthiest scored credit union in Tennessee at 100/100 -- look up its full composite before assuming it fits your situation. View full profile
  • Tennessee's credit unions rank #22 of 52 nationally on delinquency rate (mid-pack) and #9 of 52 on return on assets (among the strongest) -- both factor into the health score above, but they can move independently. National health rankings
  • Tennessee ranks #25 of 54 by average health score and #16 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.